QNB Corp. (QNBC) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, QNB reported revenue of $58.2M, up 16.9% from $49.8M the year before. Net income was $14.1M (a 24.2% net margin), or $3.78 per diluted share. Net interest income was $51.2M, and the efficiency ratio (noninterest expense / revenue) was 68.4%. Operating activities generated $16.6M of cash. At fiscal year end, QNB held $1.91B in total assets against $1.78B in total liabilities, including $50.3M of cash and equivalents.
Open the full interactive QNB financials → Quarterly statements, key ratios, valuation history and price charts.
QNB Key Stats
| Share Price | $46.06 |
|---|---|
| Market Cap | $230.4M |
| P/E Ratio | 12.2 |
| Revenue YoY Growth | +16.9% |
| 52-Week Range | $33.41 – $46.25 |
| Shares Outstanding | 5.0 million (basic, 2026 Q2) |
QNB Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $37.2M | $42.1M | $44.5M | $40.2M | $42.9M | $51.2M |
| Provision for Credit Losses | $1.2M | $458,000 | -$850,000 | -$844,000 | -$68,000 | $449,000 |
| Noninterest Income | $7.6M | $9.8M | $5.7M | $4.8M | $6.9M | $7.0M |
| Noninterest Expense | $29.0M | $31.0M | $31.5M | $34.1M | $35.5M | $39.8M |
| Revenue | $44.9M | $51.9M | $50.2M | $45.0M | $49.8M | $58.2M |
| Pre-Tax Income | $14.6M | $20.5M | $19.6M | $11.7M | $14.4M | $17.9M |
| Income Tax | $2.6M | $4.0M | $3.7M | $2.2M | $2.9M | $3.8M |
| Net Income | $12.1M | $16.5M | $15.9M | $9.5M | $11.4M | $14.1M |
| Diluted EPS | $3.42 | $4.64 | $4.47 | $2.63 | $3.12 | $3.78 |
QNB Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $14.8M | $15.9M | $14.9M | $20.5M |
| Net Income | $3.6M | $4.0M | $2.8M | $3.0M |
| Diluted EPS | $0.98 | $1.07 | $0.73 | $0.60 |
QNB Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $39.3M | $13.4M | $15.9M | $62.7M | $50.7M | $50.3M |
| Loans (Net) | $909.2M | $915.3M | $1.03B | $1.08B | — | — |
| Total Assets | $1.44B | $1.67B | $1.67B | $1.71B | $1.87B | $1.91B |
| Deposits | $1.23B | $1.45B | $1.42B | $1.49B | $1.63B | $1.64B |
| Total Long-Term Debt | $10.0M | $10.0M | $10.0M | $20.0M | $30.0M | $39.3M |
| Total Liabilities | $1.31B | $1.54B | $1.60B | $1.62B | $1.77B | $1.78B |
| Shareholders' Equity | $134.4M | $136.5M | $71.0M | $90.8M | $103.3M | $129.6M |
QNB Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $7.6M | $30.4M | $16.8M | $14.5M | $16.2M | $16.6M |
| Cash From Investing | -$185.1M | -$282.5M | -$71.6M | $23.0M | -$173.3M | -$23.4M |
| Cash From Financing | $199.3M | $226.2M | $57.3M | $9.3M | $145.2M | $6.3M |
Figures from QNB's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full QNB financials page for every line item.
QNB Company Profile
| Ticker | QNBC |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Quakertown, Pennsylvania |
| Incorporated in | Pennsylvania |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0000750558 |
Frequently Asked Questions
What was QNB's revenue in fiscal 2025?
QNB (QNBC) reported revenue of $58.2M for fiscal 2025.
What is QNB's annual revenue history?
QNB's annual revenue by fiscal year: 2020: $44.9M; 2021: $51.9M; 2022: $50.2M; 2023: $45.0M; 2024: $49.8M; 2025: $58.2M.
What was QNB's net income in fiscal 2025?
QNB reported net income of $14.1M for fiscal 2025.
What was QNB's earnings per share (EPS) in fiscal 2025?
QNB's diluted EPS was $3.78 for fiscal 2025 (adjusted for any later stock splits).
What was QNB's revenue last quarter?
In its most recent reported quarter (2026 Q2), QNB reported revenue of $20.5M.
How much debt does QNB have?
QNB reported $39.3M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of QNB are outstanding?
QNB reported a weighted average of 5.0 million basic shares outstanding in 2026 Q2.
What is QNB's market cap?
Based on its latest closing price, QNB (QNBC) has a market capitalization of about $230.4M.
When does QNB's fiscal year end?
QNB's fiscal year end, as registered with the SEC, is December 31.
Where is QNB headquartered?
QNB lists its business address in Quakertown, Pennsylvania in its SEC filings.